How Much Does 1997 Acura SLX Insurance Cost?

Trying to find cheaper insurance for your Acura SLX can turn out to be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to find auto insurance online and you need to know the absolute fastest way to quote coverages for a new or used Acura and find the lowest price from both online companies and local agents.

It’s smart to check auto insurance prices every six months since rates go up and down regularly. If you had the best deal on SLX coverage a few years ago you may be paying too much now. So block out anything you think you know about auto insurance because you’re going to learn the easiest way to lower your annual insurance bill.

Acura SLX insurance rates can be determined by these details

It’s important that you understand the factors that come into play when calculating your car insurance rates. Knowing what influences your rates allows you to make educated decisions that may reward you with lower car insurance prices.

  • Pay less after the wedding – Getting married helps lower the price on your policy. It is viewed as being more mature and it’s statistically proven that drivers who are married are more cautious.
  • Rates may be higher depending on your occupation – Occupations like real estate brokers, business owners and accountants have higher rates than average attributed to job stress and long work days. On the flip side, occupations like scientists, athletes and the unemployed get better rates on SLX coverage.
  • Lower deductibles cost more – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Acura. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and burglary. Deductibles for physical damage are how much you are required to spend out-of-pocket in the event of a claim. The more the insured has to pay upfront, the less your car insurance will be on SLX coverage.
  • How your age affects price – Teenage drivers have a tendency to get distracted easily when driving so car insurance rates are higher. Adding a young driver onto a policy can be quite pricey. More mature drivers are more responsible, file fewer claims and receive fewer citations.
  • Safer cars are cheaper to insure – Cars with high safety ratings can get you lower premiums. The safest vehicles protect occupants better and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Acura SLX is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Rural vs Urban Areas – Living in less populated areas has it’s advantages when it comes to car insurance. Urban drivers regularly have congested traffic and longer commutes to work. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • Careful drivers pay lower rates – A bad driving record has a huge affect on how much you pay. Even one speeding ticket can boost insurance rates forty percent or more. Careful drivers have lower premiums than bad drivers. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Never let your coverage lapse – Driving with no insurance is against the law and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, failure to provide proof of insurance can result in a steep fine or even jail time.

Insurance Coverage Prices Online

Reducing your 1997 Acura SLX insurance rates can be surprisingly simple. The only thing you need to do is spend a few minutes on the computer comparing price quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  1. The recommended way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This form keeps you from doing boring form submissions for every insurance coverage company. Completing one form gets you price quotes from multiple companies. Just one form and you’re done.
  2. A harder way to get comparison quotes is spending the time to visit the website of each company to complete their respective quote request forms. For instance, we’ll pretend you want to compare rates from Allstate, Liberty Mutual and GMAC. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended method to compare rates is to waste gas driving to different agent offices. Shopping for insurance coverage online eliminates the need for an insurance agent unless you prefer the professional guidance that only a license agent can provide. However, consumers can compare the best prices online but still have the advice of a local agent and we’ll touch on that later.

It’s up to you which method you use, but make sure you use identical quote information for every company. If you use different deductibles it will be impossible to truly determine the lowest rate.

Best discounts on Acura SLX coverage

Insuring your vehicles can cost a lot, buy you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be inquired about prior to receiving the credit. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
  • Low Mileage Discounts – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Memberships – Belonging to certain professional organizations may earn a discount on your policy on SLX coverage.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.

Drivers should understand that most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck. But any discount will reduce the cost of coverage.

Car insurance companies that may offer these discounts are:

Check with every prospective company how you can save money. Discounts might not apply in every state.

Tailor your coverage to you

When choosing the right insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?
  • Where can I find high-risk insurance?
  • Should I rate my 1997 Acura SLX as pleasure use or commute?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Insurance specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

Liability insurance will cover damage that occurs to people or other property. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like pain and suffering, repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Acura SLX.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hitting a deer, fire damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses like pain medications, prosthetic devices, EMT expenses, X-ray expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Power to the consumer

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut full coverage to discover at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

In this article, we covered some good ideas how you can shop for 1997 Acura SLX insurance online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the biggest savings come from a lesser-known regional company.

The cheapest insurance can be sourced on the web and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and these small insurance companies work with independent agents.

More tips and info about insurance coverage is available at these sites: